BMW Lease Deals June 2026: Every Model Ranked
June 2026 BMW program is a step down. The iX xDrive45 rate jumped from MF 0.0008 (1.92% APR) in May to 0.00175 (4.20% APR), about $101/month worse. BMW cut the 8 Series lease credit from $3,000 to $2,000 and dropped the $750 credit on the 2 Series Coupes as the wall ticked up to 0.00245 (5.88% APR). The i4 holds at 0.84% APR for a third month, the 760i at 1.32%, and the 3 Series, 5 Series, i7, X1, X3, and X5 all held from May.
June 2026 is a step down for BMW lease shoppers. The iX took the biggest hit: the xDrive45 rate jumped from MF 0.0008 (1.92% APR) in May to 0.00175 (4.20% APR), about $101/month worse. BMW also cut the 8 Series lease credit from $3,000 to $2,000, and dropped the $750 credit the 2 Series Coupes carried, while the unsubsidized wall ticked up from 0.00235 to 0.00245 (5.64% to 5.88% APR). The rates that were already good held: the i4 at 0.84% APR and the 760i at 1.32% APR, both unchanged.
The real changes this month all lean negative: (1) the iX rates jumped hard, the xDrive45 to 4.20% APR and the M70 to 2.64% APR, roughly $101 to $106/month more; (2) the 8 Series lost $1,000 of lease credit, about $30/month; and (3) the 2 Series Coupes lost their $750 credit as the wall ticked up. Nothing improved on the 2026 side. The i4, 3 Series, 5 Series, 7 Series, 2026 i5, i7, X1, X3, X5, and 2026 X7 all held their May rates. Overall, June got worse, not better.
0.84%
Best APR, i4 eDrive40
MF 0.00035 + $3,750 LC, unchanged 3rd month
4.20%
iX xDrive45 APR
Up from 1.92% in May, about $101/mo more
$7,500
Largest Lease Credit
iX / i7, still the biggest cushion
0.00245
Wall MF, M / 4S / X2 / X6 / Z4
5.88% APR, up from 0.00235 in May
June 2026 Lineup: A Down Month, Led by the iX and Trimmed Credits
BMW Financial Services pulled support in several places in June. The iX rates jumped the most: the xDrive45 went from MF 0.0008 (1.92% APR) in May to 0.00175 (4.20% APR), and the M70 from 0.00045 (1.08%) to 0.0011 (2.64%). The $7,500 credit stayed, but the rate move costs roughly $101 to $106/month. On top of that, the 8 Series lease credit was cut from $3,000 to $2,000.
The wall also ticked up, from 0.00235 to 0.00245 (5.64% to 5.88% APR), and the 2 Series Coupes lost the $750 credit they carried in May, so they got worse two ways. What held steady: the i4 at 0.84% APR for a third month, the 760i at 1.32% APR, the 2026 i5 at 1.44%, the 330i at 2.16%, the 550e at 2.28%, and the 7 Series, X5, and 2026 X7. Nothing on the 2026 side improved. The one bright spot was the 2027 X7 rate dropping to 3.36% APR.
| Model | Best MF (36mo) | Best APR | Best RV (12K) | Lease Credit | vs May |
|---|---|---|---|---|---|
| i4 (2026) | 0.00035 | 0.84% | 55% | $3,750 | Unchanged |
| 7 Series (760i xDrive) | 0.00055 | 1.32% | 52% | $2,000 | Unchanged |
| i5 (2026) | 0.00060 | 1.44% | 52% | $3,750 | Unchanged |
| 3 Series (330i) | 0.0009 | 2.16% | 56% | $1,000 | Unchanged |
| 5 Series 550e (PHEV) | 0.00095 | 2.28% | 57% | $1,000 | Unchanged, best 5-Series rate |
| 5 Series ICE (530i) | 0.0014 | 3.36% | 57% | $1,000 | Unchanged |
| X7 (2026) | 0.00135 | 3.24% | 52% | $1,000 | Unchanged |
| iX xDrive45 | 0.00175 | 4.20% | 52% | $7,500 | Worsened |
| X5 (xDrive40i) | 0.00180 | 4.32% | 51% | $2,000 | Unchanged |
| 8 Series | 0.00210 | 5.04% | 52% | $2,000 | LC cut |
| M cars / 4 Series / X2 / X6 / Z4 | 0.00245 | 5.88% | — | $0 | Tightened |
*Pre-tax, 36mo/12K, Northeast region. Data: BMW Financial Services exactData, June 2026.
2 Series — Coupes Lost Their $750 Credit; Gran Coupes Steady
The Gran Coupes are unchanged from May. The 228i Gran Coupe trims hold at MF 0.00095 (2.28% APR) with $0 Lease Credit and 56% RV. The 228i Gran Coupe at $41,100 MSRP runs ~$563/month; the xDrive at $43,100 comes to ~$591/month. The M235i xDrive Gran Coupe at $51,000 runs ~$699/month. Same math as May.
The Coupes got worse two ways. The wall MF ticked up from 0.00235 to 0.00245 (5.88% APR), and BMW dropped the $750 base Lease Creditthe 230i and M240i carried in May. Losing the credit plus the higher rate pushed coupe payments up. The 230i Coupe at $42,200 now runs ~$698/month, about $29 more than May. The M240i xDrive Coupe at $55,600 lands at ~$920/month. Gran Coupes remain the only viable 2 Series lease.
| 2 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 228i Gran Coupe | $41,100 | 0.00095 | 2.28% | 56% | ~$563 |
| 228i xDrive Gran Coupe | $43,100 | 0.00095 | 2.28% | 56% | ~$591 |
| M235i xDrive Gran Coupe | $51,000 | 0.00095 | 2.28% | 56% | ~$699 |
| 230i Coupe | $42,200 | 0.00245 | 5.88% | 54% | ~$698 |
| 230i xDrive Coupe | $44,200 | 0.00245 | 5.88% | 54% | ~$732 |
| M240i xDrive Coupe | $55,600 | 0.00245 | 5.88% | 54% | ~$920 |
*Pre-tax, 36mo/12K. Gran Coupes and Coupes both cap = MSRP (the coupe $750 LC was removed in June). MSRPs from BMW FS pricing sheets.
Verdict — 2 Series
Gran Coupes (228i/M235i) at 2.28% APR are the only 2 Series worth leasing, and they held from May. The Coupes sit at the 5.88% APR wall and just lost their $750 credit, so they got more expensive. Gran Coupe or skip it.
3 Series — Flat for a Third Month; Still the Compact Sedan Standard
The 3 Series is unchanged for the third consecutive month: MF 0.0009 (2.16% APR) on 330i trims with $1,000 Lease Credit, 56% RV. The 330i Sedan at $48,000 MSRP runs ~$625/month pre-tax. The 330i xDrive at $50,000 comes to ~$653/month. The M340i Sedan at $62,300 with MF 0.0012 (2.88% APR) runs ~$849/month; the xDrive at $64,300 comes to ~$877/month.
Three months of stability at 2.16% APR is a good sign in a month where several other programs slipped. The 330i remains the most predictable BMW lease, consistent rate, consistent residual, consistent payment. Among compact luxury sedans, it still outperforms the Audi A4, Mercedes C300, and Genesis G70 on rate.
| 3 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 330i Sedan | $48,000 | 0.0009 | 2.16% | 56% | ~$625 |
| 330i xDrive Sedan | $50,000 | 0.0009 | 2.16% | 56% | ~$653 |
| M340i Sedan | $62,300 | 0.0012 | 2.88% | 56% | ~$849 |
| M340i xDrive Sedan | $64,300 | 0.0012 | 2.88% | 56% | ~$877 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 Lease Credit. MSRPs from BMW FS pricing sheets.
Verdict — 3 Series
330i Sedan at ~$625/month remains the BMW lease benchmark, unchanged for three months. Sign if the car works for you. M340i at ~$849/month is a fair performance step-up if you want it.
5 Series — Unchanged; 550e PHEV Still the Best Rate
The 5 Series held from May. The ICE trims stay at MF 0.0014 (3.36% APR) on the 530i, 530i xDrive, and 540i xDrive, with $1,000 LC and 57% RV. The 530i Sedan at $60,500 runs ~$826/month; the 530i xDrive at $62,800 comes to ~$859; the 540i xDrive at $67,700 lands at ~$928. Same numbers as May.
The 550e PHEV has the best rate in the 5 Series at MF 0.00095 (2.28% APR), $1,000 LC, 57% RV, also unchanged. It carries the highest sticker ($75,500) so the payment is ~$986/month, the priciest in the lineup, but on rate alone the PHEV beats the gas cars. If you are cross-shopping 540i vs 550e, the 550e is the better rate for more capability at about $58/month more.
The 2027 5 Series ICE continues at MF 0.0018 (4.32% APR) with $0 LC. Against the 2026 at 3.36% APR with $1,000 LC, the 2027 is worse on both rate and cash. Skip it.
| 5 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 530i Sedan (2026) | $60,500 | 0.0014 | 3.36% | 57% | ~$826 |
| 530i xDrive Sedan (2026) | $62,800 | 0.0014 | 3.36% | 57% | ~$859 |
| 540i xDrive Sedan (2026) | $67,700 | 0.0014 | 3.36% | 57% | ~$928 |
| 550e xDrive (PHEV, 2026) | $75,500 | 0.00095 | 2.28% | 57% | ~$986 |
| 530i Sedan (2027) | $61,950 | 0.0018 | 4.32% | 57% | ~$915 |
| 540i xDrive Sedan (2027) | $69,200 | 0.0018 | 4.32% | 57% | ~$1,022 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 LC (2026) or MSRP only (2027). MSRPs from BMW FS pricing sheets / KBB.
Verdict — 5 Series
Flat month. At 3.36% APR the 2026 5 Series ICE is a mid-pack rate, so there is no urgency either way. The 550e has the best 5-Series rate at 2.28% APR but the highest payment (~$986) on a $75,500 sticker. If you want a 5 Series, negotiate hard on price. Skip the 2027, which is worse on both rate and credit.
7 Series — Unchanged: Best Rate Outside the i4
The 7 Series held every number from May. The 760i xDrive stays at MF 0.00055 (1.32% APR) and the 740i trims at MF 0.0007 (1.68% APR), all with $2,000 LC and 52% RV. The 740i Sedan at $99,300 runs ~$1,373/month; the 740i xDrive at $102,300 comes to ~$1,416; the 760i xDrive at $124,700 lands at ~$1,710. The 750e xDrive plug-in hybrid at $111,175 carries a bigger $3,000 credit at MF 0.00105 (2.52% APR), ~$1,573/month.
The 760i at 1.32% APR is the second-best rate in the BMW lineup after the i4, and it did not move. On a $124K car, rent charge is ~$103/month; the rest is pure depreciation at 52% RV. That residual is the ceiling for large luxury sedans, but the rate is the best you will find in the segment.
| 7 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 740i Sedan | $99,300 | 0.0007 | 1.68% | 52% | ~$1,373 |
| 740i xDrive Sedan | $102,300 | 0.0007 | 1.68% | 52% | ~$1,416 |
| 750e xDrive (PHEV) | $111,175 | 0.00105 | 2.52% | 52% | ~$1,573 |
| 760i xDrive Sedan | $124,700 | 0.00055 | 1.32% | 52% | ~$1,710 |
*Pre-tax, 36mo/12K, cap = MSRP − $2,000 LC (740i/760i) or − $3,000 LC (750e). MSRPs from BMW FS pricing sheets / KBB.
Verdict — 7 Series
760i xDrive at 1.32% APR is the most compelling large luxury sedan lease on the market, and it is unchanged. 740i xDrive at 1.68% APR is ~$294/month cheaper and still elite. If you want a $100K+ sedan and can stomach the 52% residual, the 7 Series is the buy. This rate has held for months; it may not last.
8 Series — Lease Credit Cut to $2,000; Still Near the Wall
BMW cut the 8 Series lease credit from $3,000 to $2,000 in June. The rate held at MF 0.00210 (5.04% APR) with 52% RV. That $1,000 credit cut adds about $30/month across the lineup. The 840i Coupe at $90,000 now runs ~$1,428/month; the 840i xDrive Coupe at $93,000 comes to ~$1,477; the 840i xDrive Gran Coupe at $99,050 runs ~$1,577; the M850i xDrive Coupe at $105,000 lands at ~$1,675.
The 8 Series was already a weak lease at 5.04% APR, and the smaller credit makes it worse. On a $90K car at that rate you pay roughly $290/month in rent charge alone. The 740i leases for less per month at a far better rate on a more expensive car. That structural anomaly persists.
| 8 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 840i Coupe | $90,000 | 0.00210 | 5.04% | 52% | ~$1,428 |
| 840i xDrive Coupe | $93,000 | 0.00210 | 5.04% | 52% | ~$1,477 |
| 840i xDrive Gran Coupe | $99,050 | 0.00210 | 5.04% | 52% | ~$1,577 |
| M850i xDrive Coupe | $105,000 | 0.00210 | 5.04% | 52% | ~$1,675 |
*Pre-tax, 36mo/12K, cap = MSRP − $2,000 LC (down from $3,000 in May). MSRPs from BMW FS pricing sheets.
8 Series Lease Credit Cut: May → June
BMW cut the 8 Series lease credit from $3,000 to $2,000. The rate held at 0.00210 (5.04% APR). That is about $30/month more on every trim. The 840i Coupe went from ~$1,398/month in May to ~$1,428/month in June with the smaller credit.
Verdict — 8 Series
Skip it. 5.04% APR near the wall, ~$290/month in rent charge on the 840i, and now a smaller $2,000 credit. The 7 Series 740i leases for less per month at a far lower rate on a more expensive car. If the coupe body is non-negotiable, know you are paying more for less.
X1 + X3 — Flat at 4.08% APR; Adequate but Not a Deal
The X1 and X3 are unchanged from May: MF 0.00170 (4.08% APR) with $1,000 Lease Credit and 55–56% RV across the range. The X1 xDrive28i at $46,400 runs ~$673/month; the X1 M35i at $51,900 comes to ~$756/month. The X3 xDrive30i at $51,300 runs ~$734/month, and the X3 M50 xDrive at $66,500 lands at ~$960/month.
4.08% APR is market-rate for compact luxury SUVs, with no rate advantage over the Genesis GV70, Audi Q5, or Mercedes GLC. Nothing here got better or worse this month. Nothing to chase.
| X1 / X3 Trim | MSRP | MF (36mo) | APR | RV (36/12K) | Lease Credit | ~Monthly* |
|---|---|---|---|---|---|---|
| X1 xDrive28i | $46,400 | 0.00170 | 4.08% | 55% | $1,000 | ~$673 |
| X1 M35i | $51,900 | 0.00170 | 4.08% | 55% | $1,000 | ~$756 |
| X3 xDrive30i | $51,300 | 0.00170 | 4.08% | 56% | $1,000 | ~$734 |
| X3 M50 xDrive | $66,500 | 0.00170 | 4.08% | 56% | $1,000 | ~$960 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 Lease Credit. MSRPs from BMW FS pricing sheets / TrueCar.
Verdict — X1 + X3
Adequate, not exciting. 4.08% APR is mid-pack for compact luxury SUVs, unchanged from May. X3 xDrive30i at ~$734/month is fair. No reason to rush, no reason to avoid if you prefer BMW. Cross-shop the Genesis GV70 if payment beats badge.
X5 + X7 — Both Flat; 2026 X7 Still Beats 2027 on Rate
The X5 holds from May: the xDrive40i carries MF 0.00180 (4.32% APR) with $2,000 LC and 51% RV. The X5 sDrive40i at $68,300 runs ~$1,056/month; the xDrive40i at $70,600 comes to ~$1,094; the M60i at $93,600 runs ~$1,469. The xDrive50e PHEV at $76,000 continues at MF 0.00155 (3.72% APR) and ~$1,154/month.
The X7 model-year divide persists. The 2026 X7 xDrive40i at $89,050 runs ~$1,341/month at MF 0.00135 (3.24% APR) with $1,000 LC, the best three-row luxury SUV rate in the segment. The 2027 X7 xDrive40i carries the same $89,050 sticker but a higher MF 0.0014 (3.36% APR) with no lease credit, so it runs ~$1,377/month, about $36 more than the 2026. The one bright spot is that the 2027 rate improved from May (0.0019 to 0.0014), but the 2026 still wins on rate and payment.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X5 — Unchanged | |||||
| X5 sDrive40i | $68,300 | 0.00180 | 4.32% | 51% | ~$1,056 |
| X5 xDrive40i | $70,600 | 0.00180 | 4.32% | 51% | ~$1,094 |
| X5 xDrive50e (PHEV) | $76,000 | 0.00155 | 3.72% | 51% | ~$1,154 |
| X5 M60i xDrive | $93,600 | 0.00180 | 4.32% | 51% | ~$1,469 |
| X7 — Unchanged (2026) | |||||
| X7 xDrive40i (2026) | $89,050 | 0.00135 | 3.24% | 52% | ~$1,341 |
| X7 M60i xDrive (2026) | $115,000 | 0.00135 | 3.24% | 52% | ~$1,740 |
| X7 xDrive40i (2027) | $89,050 | 0.0014 | 3.36% | 52% | ~$1,377 |
*Pre-tax, 36mo/12K. X5: cap = MSRP − $2,000 LC. X7 2026: cap = MSRP − $1,000 LC. X7 2027: cap = MSRP only. MSRPs from BMW FS pricing sheets / CarAndDriver.
Verdict — X5 + X7
X5 xDrive40i at ~$1,094/month is market-rate and unchanged. The X5 PHEV at 3.72% APR adds capability for ~$60/month over the base. 2026 X7 xDrive40i at 3.24% APR (~$1,341) is the best three-row SUV lease rate around and unchanged. The 2027 X7 has the same sticker but a worse rate and no credit, so it runs ~$36/month more.
i4 — Best Rate in the Lineup; Unchanged for Three Months
The i4 eDrive40 and xDrive40 continue at MF 0.00035 (0.84% APR) with $3,750 Lease Credit, 54–55% RV. The eDrive40 at $57,900 MSRP runs ~$666/month; the xDrive40 at $62,300 comes to ~$707/month. The i4 M60 runs at MF 0.00085 (2.04% APR) with $3,750 LC and ~$889/month.
Three straight months at 0.84% APR confirms this is BMW FS's standing EV lease rate, not a promotion. The rent charge on the eDrive40 is ~$30/month; you are renting on pure depreciation. In a month where the iX, 8 Series, and several credits slipped, the i4 is the anchor.
| i4 Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| eDrive40 Gran Coupe | $57,900 | 0.00035 | 0.84% | 54% | ~$666 |
| xDrive40 Gran Coupe | $62,300 | 0.00035 | 0.84% | 55% | ~$707 |
| M60 Gran Coupe | $70,700 | 0.00085 | 2.04% | 54% | ~$889 |
*Pre-tax, 36mo/12K, cap = MSRP − $3,750 Lease Credit. MSRPs from BMW FS pricing sheets.
Verdict — i4
The i4 eDrive40 at 0.84% APR is the single best BMW lease rate for a third straight month. If EV works for your life, this is the deal: ~$666/month on a $57,900 car at near-zero financing cost. xDrive40 adds AWD for ~$41/month, worth it in snow states. Skip the M60 unless M performance is the point.
iX + i7 + i5 — iX Rate Jumped Hard; i7 and 2026 i5 Steady
The iX took the biggest hit in June. In May the iX xDrive45 ran MF 0.0008 (1.92% APR) and the M70 ran 0.00045 (1.08%). In June both jumped: the xDrive45 and xDrive60 to MF 0.00175 (4.20% APR) and the M70 to 0.0011 (2.64%). The $7,500 LC did not change, but the rate move costs about $101/month on the xDrive45 and ~$106/month on the M70. The iX xDrive45 at $75,150 now runs ~$980/month; oddly, the M70 is now the cheapest-rate iX at 2.64%.
The i7 is steady, unchanged from May at MF 0.001 (2.40% APR) with $7,500 LC. The eDrive50 at $105,700 runs ~$1,354/month and the xDrive60 at $124,200 lands at ~$1,629/month.
The 2026 i5 is unchanged and remains the value pick in this tier: MF 0.0006 (1.44% APR) with $3,750 LC, ~$849/month on the eDrive40 ($67,100) and ~$892 on the xDrive40 ($70,100). The 2027 i5 eDrive40 at $68,550 runs MF 0.0009 (2.16% APR) with $3,750 LC, ~$900/month, a small premium over the 2026 for the newer model year. Stick to 2026.
| Model / Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| iX — Rate Worsened | |||||
| iX xDrive45 | $75,150 | 0.00175 | 4.20% | 52% | ~$980 |
| iX xDrive60 | $88,500 | 0.00175 | 4.20% | 52% | ~$1,194 |
| iX M70 | $111,500 | 0.0011 | 2.64% | 52% | ~$1,457 |
| i7 — Unchanged | |||||
| i7 eDrive50 | $105,700 | 0.00100 | 2.40% | 52% | ~$1,354 |
| i7 xDrive60 | $124,200 | 0.00100 | 2.40% | 52% | ~$1,629 |
| i5 — 2026 Steady | |||||
| i5 eDrive40 (2026) | $67,100 | 0.00060 | 1.44% | 52% | ~$849 |
| i5 xDrive40 (2026) | $70,100 | 0.00060 | 1.44% | 52% | ~$892 |
| i5 eDrive40 (2027) | $68,550 | 0.0009 | 2.16% | 52% | ~$900 |
*Pre-tax, 36mo/12K. iX/i7: cap = MSRP − $7,500 LC. i5: cap = MSRP − $3,750 LC. MSRPs from BMW FS pricing sheets / CarAndDriver.
iX Rate Deterioration: May → June
iX xDrive45: May MF 0.0008 (1.92% APR), ~$879/month → June MF 0.00175 (4.20% APR), ~$980/month. That is about $101/month worse on the same car. iX M70: May ~$1,351 → June ~$1,457, about $106/month worse. The $7,500 LC did not change. The rate did. iX shoppers who moved in May got the far better program.
Verdict — Premium EV (iX / i7 / i5)
i5 eDrive40 (2026) at 1.44% APR and ~$849/month is the clear value pick, unchanged and still competitive. The i7 at 2.40% APR is steady. The iX xDrive45 is now 4.20% APR (~$980), about $101/month worse than May, leaning on its $7,500 credit to stay reasonable. If you want an iX, the M70 quietly holds the best iX rate at 2.64%. Skip the 2027 i5.
The 0.00245 Wall — Tightened to 5.88% APR; Every M Car, 4 Series, X2, X6, Z4
The unsubsidized floor ticked up from 0.00235 to 0.00245 (5.64% to 5.88% APR) in June. Every model that hit the wall in May still hits it: M2, M3, M4, M5, all 4 Series variants, X2, X5-M, X6, X6-M, Z4, and the 2 Series Coupes. The 2 Series Coupes also lost the $750 Lease Credit they carried in May, so no wall model has a base credit now. Between the higher MF and the lost coupe credit, the wall got worse.
Conditional incentives (loyalty, conquest, college grad, military) of $500–$1,000 each remain stackable on wall models, up to about $2,000–$2,500 for qualifying buyers. The base program is unsubsidized and has been for months.
The 0.00245 Wall — June 2026 (5.88% APR)
No base Lease Credit on any wall model (the 2 Series Coupe $750 credit was removed in June). MF 0.00245 applies at 36mo/12K Northeast. Conditional incentives (loyalty, conquest, college grad, military) stack on top; typical max ~$2,000 to $2,500 for qualifying buyers.
Wall Tax in Practice: 330i Sedan vs 430i Coupe
330i Sedan: MF 0.0009, $48,000 MSRP, $1,000 LC → ~$625/month. 430i Coupe: MF 0.00245, ~$55,000 MSRP, $0 LC, RV 53% → ~$924/month. Same brand. One body style up. ~$299/month more. The rate difference (0.0009 vs 0.00245) and the missing $1,000 LC account for essentially all of it.
Payment Math & Assumptions
All monthly payments are pre-tax estimates computed as Monthly = (Cap − Residual) / 36 + (Cap + Residual) × MF, where Cap = MSRP − non-conditional lease credit and Residual = MSRP × RV%. Term is 36 months / 12,000 miles per year, Northeast region. No down payment, no dealer discount, no acquisition fee, and no tax are included in the quoted number.
Tax, registration, title, dealer doc fees, and the BMW FS acquisition fee (roughly $925) are excluded and vary by state. Your drive-off costs depend on your state's lease tax treatment, which can add $0–$1,500+ at signing.
- Cap cost = MSRP minus non-conditional lease credit. Every dollar negotiated off MSRP and every dollar of qualified cap-cost reduction lowers the payment directly.
- MF is the published buy-rate. Dealers can mark it up. Always verify the exact MF on your deal sheet before signing.
- Residuals applied to MSRP. Per BMW FS program sheets, 36mo/12K.
- Check eligibility for conditional incentives. Loyalty, conquest, college grad, and military incentives stack on top of base credits.
Data sourced from BMW Financial Services exactData, Northeast region, June 2026. Residuals and money factors change monthly.
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